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UNITED COMMUNITY BANKS/GA (UCB) Stock Fundamental Analysis

NYSE:UCB - New York Stock Exchange, Inc. - US90984P3038 - Common Stock - Currency: USD

28.7  +0.13 (+0.46%)

Fundamental Rating

4

Overall UCB gets a fundamental rating of 4 out of 10. We evaluated UCB against 397 industry peers in the Banks industry. UCB may be in some trouble as it scores bad on both profitability and health. UCB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

UCB had positive earnings in the past year.
UCB had a positive operating cash flow in the past year.
In the past 5 years UCB has always been profitable.
In the past 5 years UCB always reported a positive cash flow from operatings.
UCB Yearly Net Income VS EBIT VS OCF VS FCFUCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

UCB has a Return On Assets (0.88%) which is comparable to the rest of the industry.
The Return On Equity of UCB (7.13%) is worse than 61.71% of its industry peers.
Industry RankSector Rank
ROA 0.88%
ROE 7.13%
ROIC N/A
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
UCB Yearly ROA, ROE, ROICUCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

UCB has a Profit Margin of 25.69%. This is in the better half of the industry: UCB outperforms 65.24% of its industry peers.
UCB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 25.69%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
UCB Yearly Profit, Operating, Gross MarginsUCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
UCB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, UCB has more shares outstanding
Compared to 1 year ago, UCB has a worse debt to assets ratio.
UCB Yearly Shares OutstandingUCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
UCB Yearly Total Debt VS Total AssetsUCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

UCB has a debt to FCF ratio of 1.48. This is a very positive value and a sign of high solvency as it would only need 1.48 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.48, UCB is doing good in the industry, outperforming 60.20% of the companies in the same industry.
A Debt/Equity ratio of 0.13 indicates that UCB is not too dependend on debt financing.
UCB's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. UCB outperforms 63.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.48
Altman-Z N/A
ROIC/WACCN/A
WACC19.57%
UCB Yearly LT Debt VS Equity VS FCFUCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UCB Yearly Current Assets VS Current LiabilitesUCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.61% over the past year.
The Earnings Per Share has been decreasing by -0.76% on average over the past years.
Looking at the last year, UCB shows a small growth in Revenue. The Revenue has grown by 7.94% in the last year.
The Revenue has been growing by 10.65% on average over the past years. This is quite good.
EPS 1Y (TTM)15.61%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%13.46%
Revenue 1Y (TTM)7.94%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%9.67%

3.2 Future

The Earnings Per Share is expected to grow by 8.25% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.91% on average over the next years.
EPS Next Y6.58%
EPS Next 2Y8.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.69%
Revenue Next 2Y6.91%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UCB Yearly Revenue VS EstimatesUCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
UCB Yearly EPS VS EstimatesUCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.11, which indicates a correct valuation of UCB.
UCB's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of UCB to the average of the S&P500 Index (28.18), we can say UCB is valued rather cheaply.
UCB is valuated reasonably with a Price/Forward Earnings ratio of 10.65.
UCB's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.81, UCB is valued a bit cheaper.
Industry RankSector Rank
PE 12.11
Fwd PE 10.65
UCB Price Earnings VS Forward Price EarningsUCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

UCB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.33
EV/EBITDA N/A
UCB Per share dataUCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UCB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.84
PEG (5Y)N/A
EPS Next 2Y8.25%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

UCB has a Yearly Dividend Yield of 3.44%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, UCB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.45, UCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.44%

5.2 History

On average, the dividend of UCB grows each year by 8.20%, which is quite nice.
UCB has been paying a dividend for over 5 years, so it has already some track record.
UCB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.2%
Div Incr Years4
Div Non Decr Years4
UCB Yearly Dividends per shareUCB Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

48.49% of the earnings are spent on dividend by UCB. This is a bit on the high side, but may be sustainable.
UCB's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP48.49%
EPS Next 2Y8.25%
EPS Next 3YN/A
UCB Yearly Income VS Free CF VS DividendUCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
UCB Dividend Payout.UCB Dividend Payout, showing the Payout Ratio.UCB Dividend Payout.PayoutRetained Earnings

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UNITED COMMUNITY BANKS/GA

NYSE:UCB (5/5/2025, 1:15:19 PM)

28.7

+0.13 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-22 2025-04-22/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners88.02%
Inst Owner ChangeN/A
Ins Owners0.55%
Ins Owner Change14.99%
Market Cap3.43B
Analysts76.36
Price Target33.95 (18.29%)
Short Float %2.03%
Short Ratio2.69
Dividend
Industry RankSector Rank
Dividend Yield 3.44%
Yearly Dividend1
Dividend Growth(5Y)8.2%
DP48.49%
Div Incr Years4
Div Non Decr Years4
Ex-Date03-14 2025-03-14 (0.24)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.62%
Min EPS beat(2)-2.15%
Max EPS beat(2)11.39%
EPS beat(4)3
Avg EPS beat(4)6.5%
Min EPS beat(4)-2.15%
Max EPS beat(4)12.63%
EPS beat(8)4
Avg EPS beat(8)-0.29%
EPS beat(12)4
Avg EPS beat(12)-2.17%
EPS beat(16)7
Avg EPS beat(16)2.55%
Revenue beat(2)0
Avg Revenue beat(2)-8.77%
Min Revenue beat(2)-15.11%
Max Revenue beat(2)-2.43%
Revenue beat(4)0
Avg Revenue beat(4)-6.15%
Min Revenue beat(4)-15.11%
Max Revenue beat(4)-2.43%
Revenue beat(8)0
Avg Revenue beat(8)-7.14%
Revenue beat(12)2
Avg Revenue beat(12)-4.81%
Revenue beat(16)4
Avg Revenue beat(16)-3.58%
PT rev (1m)-8.98%
PT rev (3m)-8.98%
EPS NQ rev (1m)-0.25%
EPS NQ rev (3m)-0.5%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)-0.78%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)3.22%
Valuation
Industry RankSector Rank
PE 12.11
Fwd PE 10.65
P/S 3.6
P/FCF 11.33
P/OCF 9.81
P/B 1
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)2.37
EY8.26%
EPS(NY)2.7
Fwd EY9.39%
FCF(TTM)2.53
FCFY8.82%
OCF(TTM)2.93
OCFY10.2%
SpS7.97
BVpS28.72
TBVpS20.71
PEG (NY)1.84
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 7.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.69%
GM N/A
FCFM 31.79%
ROA(3y)0.89%
ROA(5y)0.96%
ROE(3y)7.55%
ROE(5y)8.47%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.42%
PM growth 5Y-4.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 1.48
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 4.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 123.73%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.95%
Cap/Sales(5y)4.88%
Profit Quality(3y)152.01%
Profit Quality(5y)134.28%
High Growth Momentum
Growth
EPS 1Y (TTM)15.61%
EPS 3Y-9.37%
EPS 5Y-0.76%
EPS Q2Q%13.46%
EPS Next Y6.58%
EPS Next 2Y8.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.94%
Revenue growth 3Y10.44%
Revenue growth 5Y10.65%
Sales Q2Q%9.67%
Revenue Next Year7.69%
Revenue Next 2Y6.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y36.66%
FCF growth 3Y-3.11%
FCF growth 5Y17.88%
OCF growth 1Y18.97%
OCF growth 3Y-0.9%
OCF growth 5Y17.84%